Gabriel Oxios is a financial advisor with Raymond James Financial, holding a Series 66 designation and 14 years of industry experience. His career includes roles at Valic Financial Advisors and Agia before joining Raymond James Financial Services Advisors, Inc. Oxios is also president of Ox Wealth Management, LLC, an independent branch affiliate of RJFS, and serves as a board member for Sports Konnect, a nonprofit focused on sports and educational programs in the Coral Gables community. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports both advisory programs and institutional portfolio management.

Jan Strusinski is a financial advisor at Morgan Stanley with four years of industry experience and holds the Series 66 designation. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2021. Outside of his advisory role, he is a partner at GTFBOOMH LLC, an investment and finance-related business based in Windermere, Florida. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, specializing in tailored financial planning and asset management. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment research as part of its advisory services.

Matias Majdalani is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors from 2009 to 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s approach includes structured discovery conversations and firm-approved planning tools, with services designed to support clients in implementing and updating their financial plans.

Ignacio Crespi Flores is a financial advisor at Raymond James & Associates with 16 years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2019, following seven years at Wells Fargo Clearing and Wells Fargo Advisors. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and investment consulting with a non-discretionary approach supported by extensive research and a broad range of portfolio management styles.

Juan Landivar is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 designation. His prior positions include roles at Bank of America, Morgan Stanley Smith Barney LLC, JPMorgan Chase Bank, Premia Global Advisors, and Global Investor Services. Landivar is based in Coral Gables, Florida. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Efrain Toro is a financial advisor with Wells Fargo Clearing in Coral Gables, FL, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His prior roles include positions at LPL Financial, Suncoast Credit Union, CUNA Brokerage Services, Inc., and JPB & Associates. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Carlos Arguello is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and has worked at UBS since 2021. Prior to joining UBS, he was employed at the Latin American Agribusiness Development Corp and has experience in both banking and education sectors. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment solutions.

Monica Balda is a financial advisor at Morgan Stanley in Coral Gables, FL, holding a Series 66 designation with six years of industry experience. Her prior roles include positions at Merrill and Hitachi Rail, as well as work with the Better Bean Company and ANSA McAL. Outside of advisory work, she has also been involved with Instacart as a customer service contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and uses structured planning tools, including Monte Carlo simulations and Secular Return Estimates, to support tailored financial planning.

Cinthya Lock is a financial advisor at UBS Financial Services with 13 years of industry experience. She holds a Series 66 designation and has worked previously at JPMorgan Chase, JPMorgan Securities, and HSBC Securities. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans to clients’ goals and risk tolerances.

Nicholas Bouza is a financial advisor at Equitable Advisors with a Series 66 credential and two years of industry experience. Prior to joining Equitable Advisors, he worked at City of Miami City Hall and held roles during his education at Florida State University and Christopher Columbus High School. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers various advisory programs through a network of Investment Adviser Representatives and third-party managers.

Amber Leach is a financial advisor with Equitable Advisors in Miami, FL, holding a Series 66 designation and 10 years of industry experience. She has worked at Equitable Advisors since 2018, with prior experience at Axa Advisors LLC and as a civil mediator through her sole proprietorship, A.L.L. Mediation Services. In her mediation role, she serves on the civil court roster for Union County, NJ, focusing on divorce mediation. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm delivers its services through a network of Investment Adviser Representatives, utilizing a range of third-party advisory programs and investment options including mutual funds, ETFs, and alternative investments.

Andrew Cherrick is a financial advisor at Stifel with six years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing for multiple terms between 2017 and 2021. He also has experience at Southern Methodist University. Stifel serves a wide range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

David Fontaine is a CFP® with 26 years of experience in the financial industry, currently serving at OSAIC since 2023. He previously worked at SagePoint Financial, Inc. for eight years and has operated the Fontaine Retirement Group since 2010. In addition to his advisory work, Fontaine is a managing member of Fontaine Enterprises, LLC, and acts as an insurance agent for his independent firm, focusing on fixed annuities, life, health, and Medicare-related insurance products. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, utilizes advanced asset-allocation tools, and offers access to third-party money managers and wrap programs.

Benjamin Assa is a financial advisor at Ameriprise with a Series 66 credential and one year of industry experience. He began his career at Ameriprise in 2025 after graduating from the University of Michigan. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Alex Palomino is a financial advisor with Cetera in Miami, FL, holding Series 65 and Series 63 credentials and four years of industry experience. His prior roles include positions at TD Private Client Wealth LLC, TD Bank N.A., and Regions Bank. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party investment options.

Hilda Ayo is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Her career also includes a long tenure at Wachovia Bank, N.A. starting in 2002. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering tailored investment solutions based on investment policy statements and modern portfolio theory. The firm acts as an ERISA fiduciary and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Janelle Soto is a Series 66 licensed advisor with Merrill in Coral Gables, Florida, and has 12 years of industry experience. She has worked with Merrill since 2007. Outside of her advisory role, she is a general partner and managing member of Universal Essence LLC, a business involved in ventures such as selling sea moss and juiced products. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Adrian Tinoco is a financial advisor at Raymond James & Associates with nine years of industry experience and a Series 66 designation. He has worked at Raymond James since 2015 and is also involved in digital design services through a part-time role at Maria Luisa Tinoco P.A. and website development at Insight Driven Analytics. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through various portfolio management styles and affiliated research resources.

Richard Kinkade Jr. is a financial advisor with UBS Financial Services, holding a Series 66 designation and 18 years of industry experience. He has worked at UBS Financial Services from 2010 to 2021 and returned in 2024, with intermediate experience at Strategy Asset Managers, LLC and The Leaders Group Inc. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management through proprietary research, model-based asset allocations, and a broad platform of financial products.

Nelson Rodriguez Hernandez is a financial advisor with Morgan Stanley in Coral Gables, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America, Merrill, Wells Fargo Advisors, Santander, and Florida International University. Outside of advisory work, he owns a real estate investment entity focused on rental properties. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and comprehensive investment resources.